Last update: Oct 2026

Cost of Living Comparison Between Toowoomba and Ubud, Bali

For one person, living is cheaper in Ubud, Bali: $1,368 a month against $2,110 in Toowoomba, rent and utilities included – about $8,900 less a year. Rent and utilities account for most of the difference.

102

Cost of Living Index in Toowoomba
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Toowoomba Living Index
67

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index

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Toowoomba

🇦🇺 Australia

$2,110

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,368

/mo nomad

Monthly Cost of Living

How much you'll spend in Toowoomba and in Ubud, Bali

Real prices from locals and on-the-ground checks – rent, groceries, transit and the daily extras. Here's what a month in Toowoomba and in Ubud, Bali actually costs, broken down by who's living it.

Monthly costs for one person with rent: $2,110 in Toowoomba versus $1,368 in Ubud, Bali.

Toowoomba $2,110
Ubud, Bali $1,368

Estimated couple costs with rent: $2,921 in Toowoomba versus $2,314 in Ubud, Bali.

Toowoomba $2,921
Ubud, Bali $2,314

Monthly costs for a family of three with rent: $3,732 in Toowoomba versus $3,260 in Ubud, Bali.

Toowoomba $3,732
Ubud, Bali $3,260

Living in Toowoomba is roughly 54% more expensive than in Ubud, Bali, and outside of rent the biggest gap is in eating out.

Both cities are pricier than the global median: Toowoomba 56% above, Ubud, Bali 1% above.

Meal at Budget Restaurant

$16.56 A$23.82

$3.33 Rp 59.9K

397.30%

Three-Course Dinner for Two, Mid-Range

$72.1 A$104

$35.18 Rp 633.2K

104.86%

Fast Food Meal (McDonalds, etc)

$9.30 A$13.38

$5.80 Rp 104.5K

60.34%

Cappuccino

$3.81 A$5.48

$2.73 Rp 49.1K

39.56%

Coke/Pepsi/Fanta/Sprite (0.33 liter bottle)

$2.71 A$3.90

$1.64 Rp 29.5K

65.24%

Water (0.33 liter bottle)

$2.34 A$3.37

$0.83 Rp 15.0K

181.93%

Local Beer (0.5 liter draught)

$6.78 A$9.75

$2.70 Rp 48.6K

151.11%

Imported Beer (0.33 liter bottle)

$7.10 A$10.22

$4.30 Rp 77.4K

65.12%

Milk (1 liter)

$1.50 A$2.16

$1.50 Rp 27.1K

White Bread (500g)

$2.27 A$3.27

$2.30 Rp 41.4K

-1.30%

Rice (white) (1kg)

$1.94 A$2.80

$1.18 Rp 21.2K

64.41%

Eggs

$4.55 A$6.55

$2.14 Rp 38.6K

112.62%

Local Cheese (1kg)

$8.62 A$12.40

$17.48 Rp 314.6K

-50.69%

Chicken Fillets (1kg)

$8.89 A$12.79

$4.03 Rp 72.5K

120.60%

Beef Round Steak (1kg)

$11.73 A$16.87

$12.23 Rp 220.1K

-4.09%

Apples (1kg)

$3.15 A$4.53

$3.55 Rp 63.9K

-11.27%

Banana (1kg)

$1.79 A$2.58

$1.57 Rp 28.3K

14.01%

Oranges (1kg)

$1.37 A$1.97

$2.24 Rp 40.2K

-38.84%

Tomato (1kg)

$2.15 A$3.09

$1.93 Rp 34.7K

11.40%

Potato (1kg)

$2.49 A$3.59

$1.88 Rp 33.9K

32.45%

Onion (1kg)

$2.23 A$3.20

$2.29 Rp 41.3K

-2.62%

Lettuce (1 head)

$2.39 A$3.45

$0.99 Rp 17.9K

141.41%

Water (1.5 liter bottle)

$0.99 A$1.42

$0.53 Rp 9,475

86.79%

Cigarettes 20 Pack (Marlboro, Camel)

$34.77 A$50.0

$2.28 Rp 41.1K

1425.00%

Wine (Bottle)

$13.72 A$19.75

$23.01 Rp 414.2K

-40.37%

Local Beer (0.5 liter bottle)

$4.59 A$6.60

$2.34 Rp 42.2K

96.15%

Imported Beer (0.33 liter bottle)

$6.53 A$9.39

$2.91 Rp 52.4K

124.40%

One-way Ticket (Public Transport)

$3.04 A$4.38

$0.24 Rp 4,315

1166.67%

Public Transport Monthly Pass (Regular Price)

$8.82 Rp 158.7K

Taxi Start (Normal Tariff)

$2.22 A$3.20

$0.48 Rp 8,684

362.50%

Taxi (Normal Tariff) (1km)

$1.61 A$2.31

$0.46 Rp 8,233

250.00%

Taxi 1hour Waiting (Normal Tariff)

$34.11 A$49.08

$5.45 Rp 98.2K

525.87%

Gasoline (1 liter)

$1.32 A$1.90

$0.88 Rp 15.9K

50.00%

Midsize Hatchback 1.4l (Volkswagen Golf, Toyota Prius, Honda Civic, etc)

$26.7K A$38.4K

$24.6K Rp 442.2M

8.63%

Compact Sedan 1.6l (Toyota Corolla, Mazda3, Kia K4, Hyundai Elantra, etc)

$23.3K A$33.5K

$31.2K Rp 561.4M

-25.26%

Utilities for 2 People in 2-bedroom Apartment (Heating, Electricity, Gas, Water, Garbage) (85m2)

$74.5 A$107

$83.0 Rp 1.5M

-10.26%

SIM Card Monthly Plan (Calls and 10GB+ Data)

$30.11 A$43.33

$6.45 Rp 116.0K

366.82%

Internet (50+ Mbps, Unlimited Data)

$54.1 A$77.8

$18.57 Rp 334.2K

191.11%

Gym Membership (Monthly)

$41.16 A$59.2

$55.8 Rp 1.0M

-26.26%

Tennis Court (1 Hour on Weekend)

$17.69 A$25.46

$18.11 Rp 326.0K

-2.32%

Cinema Ticket

$13.85 A$19.92

$4.38 Rp 78.9K

216.21%

Preschool or Kindergarten, Full Day, Private, 1 Child (Monthly)

$2,039 A$2,934

$493 Rp 8.9M

313.53%

International Primary School, 1 Child (Yearly)

$6,996 A$10.1K

$5,754 Rp 103.6M

21.60%

Jeans (Levis 501 Or Similar)

$75.1 A$108

$46.19 Rp 831.4K

62.65%

Summer Dress (H&M, Zara, etc)

$53.8 A$77.4

$35.33 Rp 636.0K

52.28%

Sport Shoes (Adidas, Nike)

$74.8 A$108

$79.1 Rp 1.4M

-5.44%

Men's Leather Business Shoes

$122 A$176

$78.4 Rp 1.4M

56.05%

1-bedroom Apartment, City Center (Monthly)

$1,215 A$1,748

$1,142 Rp 20.6M

6.33%

1-bedroom Apartment, Outside City Center (Monthly)

$1,130 A$1,626

$676 Rp 12.2M

67.27%

3-bedroom Apartment, City Center (Monthly)

$1,618 A$2,328

$3,503 Rp 63.1M

-53.81%

3-bedroom Apartment, Outside City Center (Monthly)

$1,409 A$2,028

$1,700 Rp 30.6M

-17.08%

Buy Apartment in City Center (m2)

$3,392 A$4,881

$2,784 Rp 50.1M

21.84%

Buy Apartment Outside City Center (m2)

$2,674 A$3,847

$2,241 Rp 40.3M

19.33%

Average Monthly Net Salary (After Tax)

$3,869 A$5,567

$165 Rp 3.0M

2251.21%

20-Year Fixed Mortgage Interest Rate (Annual %)

5.69

13.78

-58.71%

CityCost data is based on AI and user input – minor inaccuracies may occur.

Last update for Toowoomba: October 11, 2026

Last update for Ubud, Bali: October 11, 2026

Monthly budget structure

Share of the monthly basket for one person, rent included.

Accommodation & Living

Toowoomba

$1.1K 53.6%

Ubud, Bali

$676 49.4% 40.2% $455

Groceries & Markets

Toowoomba

$309 14.6%

Ubud, Bali

$290 21.2% 5.9% $18

Eating Out

Toowoomba

$274 13%

Ubud, Bali

$109 8% 60.3% $166

Monthly Utilities & Internet

Toowoomba

$159 7.5%

Ubud, Bali

$108 7.9% 31.9% $51

Clothing & Footwear

Toowoomba

$147 7%

Ubud, Bali

$108 7.9% 26.7% $39

Sport & Entertainment

Toowoomba

$69 3.3%

Ubud, Bali

$65 4.7% 6.2% $4.3

Getting Around

Toowoomba

$22 * 1.1%

Ubud, Bali

$13 0.9% 44% $9.9

Categories marked with * are only partly priced – their share counts the items that do have prices.

Cost Breakdown

A one-bedroom apartment in the center runs $1,215 in Toowoomba and $1,142 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Toowoomba pays 2251% more on average. The extra income cushions the higher costs, though housing choices and lifestyle decide how much of the gap is truly closed.

Dining out: $72.0 in Toowoomba vs $35.00 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $309 vs $290 per month, with Ubud, Bali cheaper across the board.

Good to know

🇦🇺 Toowoomba

🇮🇩 Ubud, Bali

🕒 Local time

03:28 3:28 AM

01:28 1:28 AM

2 h behind Toowoomba

🌤 Weather

👥 Population

108,398

74,800

💱 Currency

Australian Dollar AUD $

Indonesian Rupiah IDR Rp

📈 Exchange rate

1 AUD = 0.695 USD

1 AUD = 0.618 EUR

100,000 IDR = 5.56 USD

100,000 IDR = 4.94 EUR

Exchange rates and currency converter

IDR, USD, EUR to AUD – Australian Dollar Converter

🇺🇸 United States Dollar ($)

🇦🇺 Australian Dollar ($)

Australian Dollar exchange rates as of October 17, 2026: 1 USD = 1.44 AUD (1 AUD = 0.695 USD). 1 EUR = 1.62 AUD (1 AUD = 0.618 EUR).

Indonesian Rupiah exchange rates as of October 17, 2026: 1 USD = 18,000 IDR (100,000 IDR = 5.56 USD). 1 EUR = 20,238 IDR (100,000 IDR = 4.94 EUR).

USD to AUD in detail →

On the map

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Highest

Between locations

Toowoomba Ubud, Bali 4,390 km ≈ 6 h nonstop flight

From you

Toowoomba
Ubud, Bali

Distances are measured in a straight line. Your location is detected approximately.

City Median Internet Speeds Comparison (Updated April 2026)

The chart highlights the Precision Threshold for mobile and fixed broadband internet speeds, updated quarterly.

Digital Nomad Cost of Living Index

Toowoomba vs Ubud, Bali: Cost of Living - Frequently Asked Questions

Toowoomba and Ubud, Bali differ by about 54% in total monthly costs ($2,110 vs $1,368 including rent). Ubud, Bali is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

Average pay runs 2251% higher in Toowoomba, which matters when comparing affordability. Whether that higher income actually nets you more depends on your spending habits and housing choices.

Rent for a central apartment: $1,215 in Toowoomba versus $1,142 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $2,039 in Toowoomba versus $493 in Ubud, Bali. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Dining out is cheaper in Ubud, Bali – a meal for two runs $35.00 versus $72.0 in Toowoomba. If you eat out regularly, this makes a real dent in your monthly spending.

At $1,368 in Ubud, Bali versus $2,110 in Toowoomba, a $1,000 budget is realistic in Ubud, Bali but tight or insufficient in Toowoomba. The gap between the two cities makes Ubud, Bali the clear choice for anyone on this budget.

Both cities offer a good standard of living with different trade-offs. Neither is objectively better – the right pick depends on what matters most: affordability, career, cultural scene, or climate.

Safety-wise, Toowoomba and Ubud, Bali are on par. Petty crime is typical for cities this size, and most residents feel comfortable going about their daily routines in either place.

Expats usually find Ubud, Bali gentler on the wallet – expenses run 54% less than in Toowoomba. Beyond cost, consider language, visa policies, and how big the international community is in each city.